Automatically processing split payments in POS device

ABSTRACT

Systems and methods that facilitate a mobile wallet splitting payments to an invoice between multiple payment accounts are disclosed herein. The mobile wallet can receive an invoice, and then select a set of payment accounts to each pay a portion of the invoice. The mobile wallet can send the payment information to a point of sale device, indicating that the payment include multiple payments from different payment accounts. The point of sale device can then process the multiple payments, either sequentially, or in parallel. In an embodiment, the mobile wallet can receive partial payments from other mobile wallets for the invoice, collect the payments together, and send the payment information at once to the point of sale device for the set of mobile wallets.

CROSS REFERENCE TO RELATED APPLICATIONS

This application claims the benefit of U.S. patent application Ser. No.15/141,020, entitled “AUTOMATICALLY PROCESSING SPLIT PAYMENTS IN POSDEVICE” filed on Apr. 28, 2016. The entirety of the above-notedapplication is incorporated by reference herein.

BACKGROUND

From time to time, a person may be presented with an invoice for anamount of money that is higher than any single payment account that theperson may have. For instance, if the invoice is for $10,000, but theperson only has credit cards with $5000 credit limits, that person willnot be able complete the transaction, even if the combined credit limitsare sufficient to pay the invoice. Similarly, a group of people may aska merchant to process a split payment. Merchants may have to manuallydivide a bill into multiple payments and process them one at a time tocomplete the transaction. However, point of sale devices at largeretailers often do not accept split payments due to inefficient manualprocess. If buyers want to use multiple payment types for purchasing aproduct/service, they may have to work with a store manager to processsplit payments.

SUMMARY

The following presents a simplified summary in order to provide a basicunderstanding of some aspects of the innovation. This summary is not anextensive overview of the innovation. It is not intended to identifykey/critical elements or to delineate the scope of the innovation. Itssole purpose is to present some concepts of the innovation in asimplified form as a prelude to the more detailed description that ispresented later.

The disclosure disclosed and claimed herein, in one aspect thereof,includes systems and methods that facilitate a mobile wallet splittingpayments to an invoice between multiple payment accounts. The mobilewallet can receive an invoice, and then select a set of payment accountsto each pay a portion of the invoice. The mobile wallet can send thepayment information to a point of sale device, indicating that thepayment include multiple payments from different payment accounts. Thepoint of sale device can then process the multiple payments, eithersequentially, or in parallel. In an embodiment, the mobile wallet canreceive partial payments from other mobile wallets for the invoice,collect the payments together, and send the payment information at onceto the point of sale device for the set of mobile wallets.

For these considerations, as well as other considerations, in one ormore embodiments, a mobile wallet system can include a memory to storecomputer-executable instructions and a processor, coupled to the memory,to facilitate execution of the computer-executable instructions toperform operations. The operations can include receiving an invoice fora payment amount for a transaction via an electromagnetic wirelesscommunication from a point of sale device. The operations can alsoinclude selecting a plurality of payment accounts to pay the invoice,wherein each payment account of the plurality of payment accounts pays aportion of the payment amount. The operations can also includegenerating payment information representing the plurality of paymentaccounts and payment amounts for each payment account and transmittingthe payment information to the point of sale device via anotherelectromagnetic wireless communication.

In another embodiment, a method for receiving, by a mobile devicecomprising a processor, an invoice for a transaction from a point ofsale device, wherein the mobile device receives the invoice via anelectromagnetic wireless communication. The method can also includedetermining a plurality of payment accounts to respectively pay portionsof the invoice. The method can also include determining paymentinformation for each of the plurality of payment accounts, wherein thepayment information comprises an amount of money that each paymentaccount of the plurality of payment accounts is paying towards theinvoice. The method can also include transmitting the paymentinformation to the point of sale device via another electromagneticwireless communication, wherein the payment information comprises anotification that an invoice payment has been split between theplurality of payment accounts.

In another embodiment, a point of sale device comprises a memory tostore computer-executable instructions and a processor, coupled to thememory, to facilitate execution of the computer-executable instructionsto perform operations including in response to sending an invoice to amobile device via an electromagnetic wireless communication, receivingpayment information from the mobile device via another electromagneticwireless communication. The operations can also include determining thatthe payment information comprises payment information from a pluralityof payment accounts, wherein the payment information from the pluralityof payment accounts correspond to a payment amount of the invoice. Theoperations can also include submitting the payment information from theplurality of payment accounts to a server associated with a plurality offinancial institutions associated with the plurality of paymentaccounts.

To accomplish the foregoing and related ends, certain illustrativeaspects of the innovation are described herein in connection with thefollowing description and the annexed drawings. These aspects areindicative, however, of but a few of the various ways in which theprinciples of the innovation can be employed and the subject innovationis intended to include all such aspects and their equivalents. Otheradvantages and novel features of the innovation will become apparentfrom the following detailed description of the innovation whenconsidered in conjunction with the drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is an illustration of an example system for making mobilepayments using a plurality of mobile accounts in accordance with one ormore aspects of the disclosure.

FIG. 2 is an illustration of an example system for making partial mobilepayments from multiple device in accordance with one or more aspects ofthe disclosure.

FIG. 3 is an illustration of an example mobile wallet applicationinterface for making partial mobile payments from a plurality of paymentaccounts in accordance with one or more aspects of the disclosure.

FIG. 4 is an illustration of an example mobile wallet application formaking partial mobile payments from a plurality of payment accounts inaccordance with one or more aspects of the disclosure.

FIG. 5 is an illustration of an example split payment system with amobile wallet and a point of sale device in accordance with one or moreaspects of the disclosure.

FIG. 6 is an illustration of an example flow chart of a method formaking payments using multiple payment accounts, according to one ormore embodiments.

FIG. 7 is an illustration of an example flow chart of a method formaking payments using multiple payment accounts, according to one ormore embodiments.

FIG. 8 is an illustration of an example flow chart of a method formaking payments using multiple payment accounts, according to one ormore embodiments.

FIG. 9 is an illustration of an example computing environment where oneor more of the provisions set forth herein are implemented, according toone or more embodiments.

FIG. 10 is an illustration of an example computing environment where oneor more of the provisions set forth herein are implemented, according toone or more embodiments.

DETAILED DESCRIPTION

The following terms are used throughout the description, the definitionsof which are provided herein to assist in understanding various aspectsof the disclosure.

As used in this disclosure, the term “device” or “client device” refersto devices, items or elements that may exist in an organization'snetwork, for example, users, groups of users, computer, tablet computer,smart phone, iPad®, iPhone®, wireless access point, wireless client,thin client, applications, services, files, distribution lists,resources, printer, fax machine, copier, scanner, multi-function device,mobile device, badge reader and most any other networked element.

The innovation is now described with reference to the drawings, whereinlike reference numerals are used to refer to like elements throughout.In the following description, for purposes of explanation, numerousspecific details are set forth in order to provide a thoroughunderstanding of the subject innovation. It may be evident, however,that the innovation can be practiced without these specific details. Inother instances, well-known structures and devices are shown in blockdiagram form in order to facilitate describing the innovation.

While specific characteristics are described herein, it is to beunderstood that the features, functions and benefits of the innovationcan employ characteristics that vary from those described herein. Thesealternatives are to be included within the scope of the innovation andclaims appended hereto.

While, for purposes of simplicity of explanation, the one or moremethodologies shown herein, e.g., in the form of a flow chart, are shownand described as a series of acts, it is to be understood andappreciated that the subject innovation is not limited by the order ofacts, as some acts may, in accordance with the innovation, occur in adifferent order and/or concurrently with other acts from that shown anddescribed herein. For example, those skilled in the art will understandand appreciate that a methodology could alternatively be represented asa series of interrelated states or events, such as in a state diagram.Moreover, not all illustrated acts may be required to implement amethodology in accordance with the innovation.

As used in this application, the terms “component” and “system” areintended to refer to a computer-related entity, either hardware, acombination of hardware and software, software, or software inexecution. For example, a component can be, but is not limited to being,a process running on a processor, a processor, an object, an executable,a thread of execution, a program, and/or a computer. By way ofillustration, both an application running on a server and the server canbe a component. One or more components can reside within a processand/or thread of execution, and a component can be localized on onecomputer and/or distributed between two or more computers.

In an embodiment, a point of sale device indicates that it can processsplit payments to mobile wallets and process them automatically over aNear Field Communication (NFC). The point of sale device can receive afirst payment with a first account and get an authorization from thefirst account issuer. The point of sale device can also receive a secondpayment with a second account, which is different from the firstaccount, and get an authorization from the second account issuer. Whenthe total amount in the invoice is equal to the sum of split paymentsauthorized by each issuer, the point of sale device completes thetransaction of processing multiple payments for a single transaction andtransmits a receipt to the mobile wallet. In other embodiment, the pointof sale device may accept split payments submitted by multiple mobilewallets for a single transaction.

FIG. 1 illustrates an example system 100 for making mobile paymentsusing a plurality of mobile accounts in accordance with one or moreaspects of the disclosure. The system 100 can include a point of saledevice 102 and a mobile device 104 that has several payment accounts106, 108, and 110 associated with the mobile device 104. The point ofsale device 102 can issue an invoice to mobile device 104 and mobiledevice 104 can pay the invoice using two or more of payment accounts106, 108, and 110.

Payment accounts 106, 108, and 110 can be associated with a mobilewallet associated with or installed on mobile device 104. The mobilewallet can include payment account information such as bank account,credit card number, routing numbers, and other authenticationinformation for the payment accounts 106, 108, and 110. The mobilewallet can also include balance information, rewards information, andother information that can be used to make payments and transfers,receive transfers, and receive invoices. The point of sale device 102can be any device that can issue invoices or receive payments.Non-limiting examples of point of sale devices that point of sale device102 can be in various embodiments can be restaurant payment machines,handheld credit card scanners, grocery scanning machines, gas stationpayment devices, etc.

Point of sale device 102 can be configured to receive credit card/debitcard payments as well as payments received from mobile devices (e.g.,mobile device 104) via mobile wallets. The mobile wallet on mobiledevice 104 can be an application that stores credit card, bank card,peer to peer payment account, and bank account information related topayment accounts 106, 108, and 110 to facilitate making electronicpayments. The mobile wallet can also keep track of invoices/receipts,payments, balances, and other transactions. In an embodiment, the mobilewallet on mobile device 104 can transfer payment information to thepoint of sale device 102 via wireless communications. In an embodiment,the wireless communications can include WiFi, Bluetooth, cellularprotocols, infrared transmission, WiMax, Zigbee, RFID protocols, or anyother near field communication (NFC) protocols. In an embodiment, themobile device 104 can transmit the payment information to point of saledevice 102 via an optical communication, either via laser, pulsinglights or by providing a barcode or quick response (QR) code that can bescanned by the point of sale device 102.

In an embodiment, point of sale device 102 can issue an invoice orrequest for payment to mobile device 104. The invoice can be transmittedto mobile device 104 via one or more of the wireless communicationsprotocols described above. The mobile device 104 can receive theinvoice, and a user can determine which of accounts 106, 108, and 110will be used to pay the invoice. In some embodiments, the accounts canbe selected automatically based on a predetermined selection logic.

In an embodiment, a plurality of payment accounts 106, 108, and 110 canbe selected to pay the invoice, with each payment account paying aportion of the invoice. For instance, if the invoice is $100, paymentaccount 106 can pay $30, payment account 108 can pay $30, and paymentaccount 110 can pay $40. The payment information (account numbers,authorization information, payment amount, etc.) can then be sent by themobile device 104 to point of sale device 102 via one or more of thewireless communications protocols described above. Point of sale device102 can then send the payment information to a payment server 112associated with one or more of the payment accounts 106, 108, or 110 forprocessing. Payment server 112 can indicate to point of sale device 102that the payments were successful, and provide a receipt, either paperor electronic, to the user or mobile device 104.

In an embodiment, point of sale device 102, when sending the invoice tomobile device 104, can include a notification or alert that indicatesthat the point of sale device 102 can accept split payments. Thenotification can be included in the metadata of the invoice ortransmission or can be an option selected on the invoice. Similarly, inone or more embodiments, the mobile device 104 when returning thepayment information to the point of sale device 102, can include anotification or alert to let the point of sale device 102 know that thepayment is a split payment. In other embodiments, the point of saledevice 102 can initiate a processing fee for split payments sinceprocessing multiple payment authorizations through the payment networkmay cost additional fees to the merchant. The point of sale device 102can ask if the mobile wallet owner is willing to pay the additional feeto make a split payment.

It is to be appreciated that while FIG. 1 displays mobile device 104having three payment accounts, in other embodiments, mobile device 104can have a mobile wallet that has two or more payment accountsconfigured to make payments to the invoice.

Turning now to FIG. 2 , illustrated is an example system 200 for makingpartial mobile payments from multiple device in accordance with one ormore aspects of the disclosure. The system 200 can include a point ofsale device 202 and mobile devices 204, 206, and 208 that can makescombined payments to point of sale device 202. The point of sale device202 can issue an invoice to one or more of the mobile devices 204, 206,and/or 208 (in this embodiment, mobile device 206) and two or moremobile wallets associated with mobile devices 204, 206, and 208 can makethe payments in response to the invoice.

In an embodiment, if point of sale device 202 issues the invoice tomobile device 206, mobile device 206 can share the invoice with mobiledevices 204 and 208. Each of the mobile devices 204 and 208 can sendpayment information to mobile device 206 which can combine the paymentinformation with the payment information from mobile device 206 and thentransmit the combined payment information to point of sale device 202.In other embodiments, after sharing the invoice with mobile devices 204and 206, each of mobile devices 204, 206, and 208 can separately sendthe payment information to point of sale device 202.

In an embodiment, the mobile wallets on mobile devices 204, 206, and 208can automatically apportion the split payments based on information inthe invoice or based on other, predetermined factors. The invoice canreference items on the bill that are associated with one or more of theusers of mobile devices 204, 206, and 208, and each mobile wallet canmatch the items to the users, and apportion their payments accordingly.In other embodiments, the users can decide amongst themselves how tosplit the payments, enter the payment amount into their respectivemobile devices, and the invoice payment can be apportioned based on thepayment information received from each mobile device. In otherembodiments, the invoice payment can be split equally or some otherpredetermined ratio.

In other embodiments, other combinations of payments accounts arepossible. For instance, mobile device 206 may have two payment accountsthat contribute to the invoice payment, and either mobile device 204 or208 may have one or more payment accounts also contributing to theinvoice payment. It is to be appreciated that while combinations fromthree mobile devices are shown here, in other embodiments, differentnumbers of mobile devices contributing payment information are possible.

The mobile wallets on each of mobile devices 204, 206, and 208 caninclude payment account information such as bank account, credit cardnumber, routing numbers, and other authentication information for thepayment accounts associated with each mobile device 204, 206, and 208.The mobile wallet can also include balance information, rewardsinformation, and other information that can be used to make payments andtransfers, receive transfers, and receive invoices. The point of saledevice 202 can be any device that can issue invoices or receivepayments. Non-limiting examples of point of sale devices that point ofsale device 202 can be in various embodiments can be restaurant paymentmachines, handheld credit card scanners, grocery scanning machines, gasstation payment devices, etc.

Point of sale device 202 can be configured to receive credit card/debitcard payments as well as payments received from mobile devices 204, 206,and/or 208 via mobile wallets. The mobile wallets on mobile devices 204,206, and/or 208 can be an application that stores credit card, bankcard, peer to peer payment account, and bank account information relatedto payment accounts to facilitate making electronic payments. The mobilewallets can also keep track of invoices/receipts, payments, balances,and other transactions. In an embodiment, the mobile wallets on mobiledevice 204, 206, and/or 208 can transfer payment information to thepoint of sale device 202 via wireless communications. In an embodiment,the wireless communications can include WiFi, Bluetooth, cellularprotocols, infrared transmission, WiMax, Zigbee, RFID protocols, or anyother near field communication (NFC) protocols. In an embodiment, themobile devices 204, 206, and/or 208 can transmit the payment informationto point of sale device 202 via an optical communication, either vialaser, pulsing lights or by providing a barcode or quick response (QR)code that can be scanned by the point of sale device 202.

In an embodiment, point of sale device 202 can issue an invoice orrequest for payment to mobile devices 204, 206, and/or 208. The invoicecan be transmitted to mobile devices 204, 206, and/or 208 via one ormore of the wireless communications protocols described above. Themobile devices 204, 206, and/or 208 can receive the invoice, and a usercan determine which of accounts will be used to pay the invoice. In someembodiments, the accounts can be selected automatically based on apredetermined selection logic.

In an embodiment, the payment information (account numbers,authorization information, payment amount, etc.) can then be sent by themobile devices 204, 206, and/or 208 to point of sale device 202 via oneor more of the wireless communications protocols described above. Pointof sale device 202 can then send the payment information to a paymentserver 210 associated with one or more of the payment accounts on mobiledevices 204, 206, and/or 208 for processing. Payment server 210 canindicate to point of sale device 202 that the payments were successful,and provide a receipt, either paper or electronic, to the user or mobiledevices 204, 206, and/or 208 or to the users associated with the mobiledevices 204, 206, and/or 208.

In an embodiment, point of sale device 202, when sending the invoice tomobile devices 204, 206, and/or 208, can include a notification or alertthat indicates that the point of sale device 202 can accept splitpayments. The notification can be included in the metadata of theinvoice or transmission or can be an option selected on the invoice.Similarly, in one or more embodiments, the mobile devices 204, 206,and/or 208 when returning the payment information to the point of saledevice 202, can include a notification or alert to let the point of saledevice 202 know that the payment is a split payment.

Turning now to FIG. 3 , illustrated is an example mobile walletapplication interface 300 for making partial mobile payments from aplurality of payment accounts in accordance with one or more aspects ofthe disclosure

The mobile wallet 302 executed by a mobile device can receive an invoice304 with product description 306 and the total amount (i.e., $2,823.10).The mobile wallet 302 can also include a split payment manager 318 wherethe user can make the payment with multiple mobile wallet accounts 308and 310. The user can specify payment amounts 312 and 314 thatcorrespond to payment accounts 308 and 310 respectively.

In an embodiment, the user can specify that payment account 308 willcontribute $1,000 towards the invoice and selects Visa-XYZ Bank 308first. If the total amount is larger than the selected payment amount,the mobile wallet 302 can automatically open a window to specify amountand payment account. For instance, the mobile wallet 302 can let theuser specify $1,590 and select a checking account 310. If the totalamount is equal to sum of split payment, it may stop presenting a windowto specify another account. The user can touch the make payment button316 to submit the payment to a POS device. The mobile wallet 302 can puta notification in the transmission that the payment information is fromtwo or more different payment accounts

In one embodiment, the mobile wallet may present split payment managerif the total purchase price is higher than balance of any paymentaccount of in the mobile wallet. In other embodiment, the user may haveconfigured to make split payment if the total exceed a predeterminedamount even if the total is lower than a balance of one payment account.

Turning now to FIG. 4 , illustrated is an example mobile walletapplication system 400 for making partial mobile payments from aplurality of payment accounts in accordance with one or more aspects ofthe disclosure.

The mobile wallet application system can comprise a hardware layer 450,a kernel layer 440, a run-time layer 430, an application framework layer420 and an application layer 410. The kernel layer 440 can provide alevel of abstraction between the device hardware 450 and contain all theessential hardware drivers like camera driver 441, WiFi driver 442, nearfield communication driver 433, keypad, display etc. Also, the kernellayer 440 can handle memory management, security settings, powermanagement, and shared libraries support.

On top of kernel 440 there can be a run-time layer 430 with a set oflibraries including play and record audio and video (media framework)431, scene graphic library (SGL) 433, and secure socket layer (SSL)libraries 432 responsible for Internet security etc.

The application framework layer 420 can provide higher-level services toapplications in the form of Java classes. Application developers areallowed to make use of these services in their applications. Thecomponents in the apps framework layer 420 includes an activity manager421 which controls all aspects of the application lifecycle and activitystack; a resource manager 422 which provides access to non-code embeddedresources such as strings, color settings and user interface layouts; aview system which is an extensible set of views used to createapplication user interfaces; and others.

The application layer 410 can include a mobile wallet application 411.The mobile wallet application 411 can include a split payment manager412, payment elements 413, and others. The split payment manager 412 canbe the function which presents the user interface shown in FIG. 3 andprocesses the split payment method. The payment elements 413 compriseselectronic version of items in wallets such as credit and debit card,bank account, and other financial accounts.

Turning now to FIG. 5 , illustrated is an example split payment system500 with a mobile wallet 502 and a point of sale device 512 inaccordance with one or more aspects of the disclosure.

A mobile wallet 502 can operate on a mobile computing device, which caninclude tablets, laptops, mobile phones, wearable devices, or any othercomputing device that is capable of executing a mobile walletapplication.

The mobile wallet 502 can include a communication component 504configured to receive a wireless transmission sent by a communicationscomponent 514 at a point of sale device 512. In an embodiment, thewireless transmission can include WiFi, Bluetooth, cellular protocols,infrared transmission, WiMax, Zigbee, RFID protocols, or any other nearfield communication protocols. In an embodiment, the point of saledevice 512 can transmit an invoice to mobile wallet 502 via an opticalcommunication, either via laser, pulsing lights or by providing abarcode or quick response (QR) code that can be scanned by the mobiledevice associated with mobile wallet 502.

The mobile wallet 502 can receive the invoice, and a selection component510 can determine which payment accounts associated with the mobilewallet 502 will be used to pay the invoice. In some embodiments, theaccounts can be selected automatically based on a predeterminedselection logic. The predetermined selection logic can be used to selectpayment accounts that have the lowest balance or may return the highestrewards. For instance, certain credit cards may return rewards atparticular vendors or classes of vendors, and the selection component510 can select payment accounts to optimize the rewards received. Inother embodiments, selection component 510 can select payment accountsbased on preference rankings, or based on funds available in each of thepayment accounts. In other embodiments, selection component 510 canreceive input from a user, where the input includes informationrepresenting user selections.

Once the payment accounts have been selected by selection component 510and the payment amounts for each payment account determined, paymentcomponent 506 can gather the payment information including accountinformation, authentication information, and etc., from databasecomponent 508, and communication component 504 can wireless transmit thepayment information to communication component 514 on point of saledevice 512.

Verification component 516 can then send the payment information to apayment server associated with one or more of the payment accounts forprocessing. The verification component 516 can send the paymentinformation for the different payment accounts either sequentially, orin parallel. In a sequential process, the point of sale device 512 wouldget payment authorization from a first financial institution and then ifsuccessful, would request a payment authorization for a second paymentfrom a second financial institution and so on. In a parallel process,the point of sale device 512 would requests payment authorizationssimultaneously to multiple financial institutions and then verify if allinstitutions authorized the payments.

In an embodiment, the payment component 506 can prepare paymentinformation for just a single payment account and have the paymentinformation transmitted to point of sale device 512. Verificationcomponent 516 can process the partial payment for the single paymentaccount, and once the payment has been verified/authorized, can indicateto the mobile wallet 502 to prepare the subsequent partial payments. Inother embodiments, communication component 504 can send the paymentinformation for all the payment accounts together, and verificationcomponent 516 can sequentially or simultaneously send all the paymentinformation for processing to one or more payment servers. Afterreceiving notification from the payment servers that the paymentinformation has been successfully processed, communication component 514can send a receipt to communication component 504 on the mobile wallet502.

FIGS. 6-8 illustrates processes in connection with the aforementionedsystems. The process in FIGS. 6-8 can be implemented for example bysystems and methods 100, 200, 300, 400, and 500, illustrated in FIGS.1-5 respectively. While for purposes of simplicity of explanation, themethods are shown and described as a series of blocks, it is to beunderstood and appreciated that the claimed subject matter is notlimited by the order of the blocks, as some blocks may occur indifferent orders and/or concurrently with other blocks from what isdepicted and described herein. Moreover, not all illustrated blocks maybe required to implement the methods described hereinafter.

Turning now to FIG. 6 , illustrated an example flow chart of a methodfor making payments using multiple payment accounts, according to one ormore embodiments.

When a shopper purchases a product, she may ask if the point of saledevice 604 is capable of processing split payments. In other embodiment,the point of sale device 604 may submit an invoice at 610 with totalamount and indicating that it can process split payments in thecommunication protocol between the point of sale device 604 and themobile wallet 602. In step 610, the point of sale device 604 submits aninvoice with total amount to the mobile wallet 602 and indicates that itcan process split payments. In other embodiments, the point of saledevice 604 may not have the step 610 of submitting the invoice to themobile device 602. The merchant may verbally communicate the total tothe mobile wallet owner and the mobile wallet owner may configure apayment method with multiple accounts at 612 and submit them to thepoint of sale device 604. The mobile wallet user configures a paymentmethod using a plurality of payment accounts at 612 and can submit the1^(st) payment to the point of sale device 604 by placing the mobiledevice over the point of sale device 604 in 614. The point of saledevice 604 can requests an authorization to the 1^(st) issuer orfinancial institution associated with the first payment account at 616.The 1^(st) issuer or financial institution 606 issues an authorizationin at 618 and the point of sale device 604 lets the mobile wallet 602know about the authorization at 620.

The mobile wallet 602 can submits a second payment 622 and the point ofsale device 604 sends the payment information to the second issuer orfinancial institution at 624, gets an authorization of payment at 626and transmits the authorization to the mobile wallet at 628. The mobilewallet 602 can submit the next account at 630 until the sum of splitamount is equal to the total amount in the invoice. The mobile walletmay indicates end of payment at 630 as well and then the point of saledevice 604 can send a receipt to the mobile wallet at 632.

In other embodiments, the mobile wallet 602 may not send end of paymentand the point of sale device 604 sends a receipt to indicate completionof the transaction if the total amount in the invoice is equal to thesum of split payments. In an alternative embodiment, the mobile walletmay send multiple payment accounts, simultaneously instead of sendingone at a time and the point of sale device 604 processes them one at atime.

It is to be appreciated that while in FIG. 6 , one mobile wallet is usedto submit split payments for a transaction, in other embodiments,multiple mobile wallets may submit split payments for a singletransaction. For instance, three people may use their own mobile walletand make three payments for a single bill.

Turning now to FIG. 7 , illustrated is an example flow chart of a method700 for receiving and broadcasting application updates, according to oneor more embodiments. The method can start at 702, where the methodincludes receiving, by a mobile device comprising a processor, aninvoice for a transaction from a point of sale device, wherein themobile device receives the invoice via an electromagnetic wirelesscommunication. At 704, the method includes determining a plurality ofpayment accounts to respectively pay portions of the invoice. At 706,the method includes determining payment information for each of theplurality of payment accounts, wherein the payment information comprisesan amount of money that each payment account of the plurality of paymentaccounts is paying towards the invoice. At 708 the method includestransmitting the payment information to the point of sale device viaanother electromagnetic wireless communication, wherein the paymentinformation comprises a notification that an invoice payment has beensplit between the plurality of payment accounts.

Turning now to FIG. 8 , illustrated is a method 800 for receiving andbroadcasting application updates, according to one or more embodiments.At 802 the method includes transmitting the invoice to another mobiledevice. At 804 the method includes receiving payment information for apayment account associated with the other mobile device from the othermobile device.

Referring now to FIG. 9 , there is illustrated a block diagram of acomputer operable to execute the disclosed architecture. In order toprovide additional context for various aspects of the subjectinnovation, FIG. 9 and the following discussion are intended to providea brief, general description of a suitable computing environment 900 inwhich the various aspects of the innovation can be implemented. Whilethe innovation has been described above in the general context ofcomputer-executable instructions that may run on one or more computers,those skilled in the art will recognize that the innovation also can beimplemented in combination with other program modules or componentsand/or as a combination of hardware and software.

Generally, program modules include routines, programs, components, datastructures, etc., that perform particular tasks or implement particularabstract data types. Moreover, the inventive methods can be practicedwith other computer system configurations, including single-processor ormultiprocessor computer systems, minicomputers, mainframe computers, aswell as personal computers, hand-held computing devices,microprocessor-based or programmable consumer electronics, and the like,each of which can be operatively coupled to one or more associateddevices.

The illustrated aspects of the innovation may also be practiced indistributed computing environments where certain tasks are performed byremote processing devices that are linked through a communicationsnetwork. In a distributed computing environment, program modules can belocated in both local and remote memory storage devices.

A computer typically includes a variety of computer-readable media.Computer-readable media can be any available media that can be accessedby the computer and includes both volatile and nonvolatile media,removable and non-removable media. By way of example, and notlimitation, computer-readable media can comprise computer storage mediaand communication media. Computer storage media includes volatile andnonvolatile, removable and non-removable media implemented in any methodor technology for storage of information such as computer-readableinstructions, data structures, program modules or other data. Computerstorage media includes, but is not limited to, RAM, ROM, EEPROM, flashmemory or other memory technology, CD-ROM, digital versatile disk (DVD)or other optical disk storage, magnetic cassettes, magnetic tape,magnetic disk storage or other magnetic storage devices, or any othermedium which can be used to store the desired information and which canbe accessed by the computer.

Communication media typically embodies computer-readable instructions,data structures, program modules or other data in a modulated datasignal such as a carrier wave or other transport mechanism, and includesany information delivery media. The term “modulated data signal” means asignal that has one or more of its characteristics set or changed insuch a manner as to encode information in the signal. By way of example,and not limitation, communication media includes wired media such as awired network or direct-wired connection, and wireless media such asacoustic, RF, infrared and other wireless media. Combinations of the anyof the above should also be included within the scope ofcomputer-readable media.

With reference again to FIG. 9 , the exemplary environment 900 forimplementing various aspects of the innovation includes a computer 902,the computer 902 including a processing unit 904, a system memory 906and a system bus 908. The system bus 908 couples system componentsincluding, but not limited to, the system memory 906 to the processingunit 904. The processing unit 904 can be any of various commerciallyavailable processors. Dual microprocessors and other multi-processorarchitectures may also be employed as the processing unit 904.

The system bus 908 can be any of several types of bus structure that mayfurther interconnect to a memory bus (with or without a memorycontroller), a peripheral bus, and a local bus using any of a variety ofcommercially available bus architectures. The system memory 906 includesread-only memory (ROM) 910 and random access memory (RAM) 912. A basicinput/output system (BIOS) is stored in a non-volatile memory 910 suchas ROM, EPROM, EEPROM, which BIOS contains the basic routines that helpto transfer information between elements within the computer 902, suchas during start-up. The RAM 912 can also include a high-speed RAM suchas static RAM for caching data.

The computer 902 further includes an internal hard disk drive (HDD) 914(e.g., EIDE, SATA), which internal hard disk drive 914 may also beconfigured for external use in a suitable chassis (not shown), amagnetic floppy disk drive (FDD) 916, (e.g., to read from or write to aremovable diskette 918) and an optical disk drive 920, (e.g., reading aCD-ROM disk 922 or, to read from or write to other high capacity opticalmedia such as the DVD). The hard disk drive 914, magnetic disk drive 916and optical disk drive 920 can be connected to the system bus 908 by ahard disk drive interface 924, a magnetic disk drive interface 926 andan optical drive interface 928, respectively. The interface 924 forexternal drive implementations includes at least one or both ofUniversal Serial Bus (USB) and IEEE 1394 interface technologies. Otherexternal drive connection technologies are within contemplation of thesubject innovation.

The drives and their associated computer-readable media providenonvolatile storage of data, data structures, computer-executableinstructions, and so forth. For the computer 902, the drives and mediaaccommodate the storage of any data in a suitable digital format.Although the description of computer-readable media above refers to aHDD, a removable magnetic diskette, and a removable optical media suchas a CD or DVD, other types of media which are readable by a computer,such as zip drives, magnetic cassettes, flash memory cards, cartridges,and the like, may also be used in the exemplary operating environment,and further, that any such media may contain computer-executableinstructions for performing the methods of the innovation.

A number of program modules can be stored in the drives and RAM 912,including an operating system 930, one or more application programs 932,other program modules 934 and program data 936. All or portions of theoperating system, applications, modules, and/or data can also be cachedin the RAM 912. The innovation can be implemented with variouscommercially available operating systems or combinations of operatingsystems.

A user can enter commands and information into the computer 902 throughone or more wired/wireless input devices, e.g., a keyboard 938 and apointing device, such as a mouse 940. Other input devices (not shown)may include a microphone, an IR remote control, a joystick, a game pad,a stylus pen, touch screen, or the like. These and other input devicesare often connected to the processing unit 904 through an input deviceinterface 942 that is coupled to the system bus 908, but can beconnected by other interfaces, such as a parallel port, an IEEE 1394serial port, a game port, a USB port, an IR interface, etc.

A monitor 944 or other type of display device is also connected to thesystem bus 908 via an interface, such as a video adapter 946. Inaddition to the monitor 944, a computer typically includes otherperipheral output devices (not shown), such as speakers, printers, etc.

The computer 902 may operate in a networked environment using logicalconnections via wired and/or wireless communications to one or moreremote computers, such as a remote computer(s) 948. The remotecomputer(s) 948 can be a workstation, a server computer, a router, apersonal computer, portable computer, microprocessor-based entertainmentappliance, a peer device or other common network node, and typicallyincludes many or all of the elements described relative to the computer902, although, for purposes of brevity, only a memory/storage device 950is illustrated. The logical connections depicted include wired/wirelessconnectivity to a local area network (LAN) 952 and/or larger networks,e.g., a wide area network (WAN) 954. Such LAN and WAN networkingenvironments are commonplace in offices and companies, and facilitateenterprise-wide computer networks, such as intranets, all of which mayconnect to a global communications network, e.g., the Internet.

When used in a LAN networking environment, the computer 902 is connectedto the local network 952 through a wired and/or wireless communicationnetwork interface or adapter 956. The adapter 956 may facilitate wiredor wireless communication to the LAN 952, which may also include awireless access point disposed thereon for communicating with thewireless adapter 956.

When used in a WAN networking environment, the computer 902 can includea modem 958, or is connected to a communications server on the WAN 954,or has other means for establishing communications over the WAN 954,such as by way of the Internet. The modem 958, which can be internal orexternal and a wired or wireless device, is connected to the system bus908 via the serial port interface 942. In a networked environment,program modules or components depicted relative to the computer 902, orportions thereof, can be stored in the remote memory/storage device 950.The network connections shown are exemplary and other means ofestablishing a communications link between the computers can be used.

The computer 902 is operable to communicate with any wireless devices orentities operatively disposed in wireless communication, e.g., aprinter, scanner, desktop and/or portable computer, portable dataassistant, communications satellite, any piece of equipment or locationassociated with a wirelessly detectable tag (e.g., a kiosk, news stand,restroom), and telephone. This includes at least Wi-Fi and Bluetooth™wireless technologies. Thus, the communication can be a predefinedstructure as with a conventional network or simply an ad hoccommunication between at least two devices.

Wi-Fi, or Wireless Fidelity, allows connection to the Internet from acouch at home, a bed in a hotel room, or a conference room at work,without wires. Wi-Fi is a wireless technology similar to that used in acell phone that enables such devices, e.g., computers, to send andreceive data indoors and out; anywhere within the range of a basestation. Wi-Fi networks use radio technologies called IEEE 802.11 (a, b,g, n, etc.) to provide secure, reliable, fast wireless connectivity. AWi-Fi network can be used to connect computers to each other, to theInternet, and to wired networks (which use IEEE 802.3 or Ethernet).Wi-Fi networks operate in the unlicensed 2.4 and 5 GHz radio bands, atan 11 Mbps (802.11a) or 54 Mbps (802.11b) data rate, for example, orwith products that contain both bands (dual band), so the networks canprovide real-world performance similar to wired Ethernet networks usedin many offices.

Referring now to FIG. 10 , there is illustrated a schematic blockdiagram of an exemplary computing environment 1000 in accordance withthe subject innovation. The system 1000 includes one or more client(s)1002. The client(s) 1002 can be hardware and/or software (e.g., threads,processes, computing devices).

The system 1000 also includes one or more server(s) 1004. The server(s)1004 can also be hardware and/or software (e.g., threads, processes,computing devices). The servers 1004 can house threads to performtransformations by employing the innovation, for example. One possiblecommunication between a client 1002 and a server 1004 can be in the formof a data packet adapted to be transmitted between two or more computerprocesses. The system 1000 includes a communication framework 1006(e.g., a global communication network such as the Internet) that can beemployed to facilitate communications between the client(s) 1002 and theserver(s) 1004.

Communications can be facilitated via a wired (including optical fiber)and/or wireless technology. The client(s) 1002 are operatively connectedto one or more client data store(s) 1008 that can be employed to storeinformation local to the client(s) 1002. Similarly, the server(s) 1004are operatively connected to one or more server data store(s) 1010 thatcan be employed to store information local to the servers 1004.

What has been described above includes examples of the innovation. Itis, of course, not possible to describe every conceivable combination ofcomponents or methodologies for purposes of describing the subjectinnovation, but one of ordinary skill in the art may recognize that manyfurther combinations and permutations of the innovation are possible.Accordingly, the innovation is intended to embrace all such alterations,modifications and variations that fall within the spirit and scope ofthe appended claims. Furthermore, to the extent that the term “includes”is used in either the detailed description or the claims, such term isintended to be inclusive in a manner similar to the term “comprising” as“comprising” is interpreted when employed as a transitional word in aclaim.

The invention claimed is:
 1. A mobile wallet system, comprising: amemory to store computer-executable instructions; and a processor,coupled to the memory, to facilitate execution of thecomputer-executable instructions to perform operations, comprising:initiating a transaction including a payment amount at a point of saledevice; determining, based on a notification received from the point ofsale device, that the point of sale device is capable of processingsplit payments; responsive to determining that the point of sale deviceis capable of accepting split payments, selecting a plurality of paymentaccounts from a set of payment accounts to complete the transactionbased on a predetermined selection logic, wherein a first paymentaccount is designated to pay a first portion of the payment amount and asecond payment account is designated to pay a second portion of thepayment amount based on the predetermined selection logic, the pluralityof payment accounts selected based on respective rewards provided uponutilizing the plurality of payment accounts and based on a respectiveuser ranking of the set of payment accounts, wherein the second portionis an amount determined according to the predetermined selection logic;generating payment information representing the plurality of paymentaccounts and the first portion and the second portion of the paymentamount for the first payment account and the second payment account, thepayment information comprising respective authentication information foreach payment account of the plurality of payment accounts; andtransmitting the payment information to the point of sale device,causing the point of sale device to utilize the respectiveauthentication information for each payment account of the plurality ofpayment accounts to complete the transaction.
 2. The mobile walletsystem of claim 1, wherein payment information is transmitted via anelectromagnetic wireless communication that conforms to at least one ofa near field communication protocol, wireless internet protocol,cellular protocol, or optical communication protocol.
 3. The mobilewallet system of claim 1, wherein the payment information comprisespayment account information and respective payment amount informationfor each payment account of the plurality of payment accounts.
 4. Themobile wallet system of claim 1, wherein the transmitting furthercomprises: transmitting payment information for the first paymentaccount; and in response to receiving a confirmation of payment from thepoint of sale device, transmitting payment information for the secondpayment account.
 5. The mobile wallet system of claim 1, wherein thetransmitting further comprises: transmitting payment information for thefirst payment account and the second payment account to the point ofsale device at a first time.
 6. The mobile wallet system of claim 1,wherein the payment information comprises a second notification that thepayment amount has been split between the plurality of payment accounts.7. The mobile wallet system of claim 1, wherein the first paymentaccount or the second payment account is a mobile wallet associated witha user.
 8. The mobile wallet system of claim 7, wherein the operationsfurther comprise: transmitting an invoice to a second mobile deviceassociated with another mobile wallet system; and receiving secondpayment information from the second mobile device.
 9. The mobile walletsystem of claim 8, wherein selecting the plurality of payment accountsfurther comprises: attaching a second notification indicating a splitpayment to the invoice, wherein the second notification is attached asmetadata of the invoice.
 10. The mobile wallet system of claim 9,wherein the respective user ranking is generated based on preferenceinformation determined based on a function of predetermined preferencesassociated with a user account.
 11. The mobile wallet system of claim 1,wherein selecting the plurality of payment accounts further comprisesselecting the plurality of payment accounts from the set of paymentaccounts further based on balance information associated with each ofthe set of payment accounts.
 12. A method, comprising: initiating atransaction including a payment amount at a point of sale device;determining, based on a notification received from the point of saledevice via an electromagnetic wireless communication, that the point ofsale device is capable of processing split payments; responsive todetermining that the point of sale device is capable of accepting splitpayments, selecting a plurality of payment accounts from a set ofpayment accounts to complete the transaction based on a predeterminedselection logic, wherein a first payment account is designated to pay afirst portion of the payment amount and a second payment account isdesignated to pay a second portion of the payment amount based on thepredetermined selection logic, the plurality of payment accountsselected based on respective rewards provided upon utilizing theplurality of payment accounts and based on a respective user ranking ofthe set of payment accounts, wherein the second portion is an amountdetermined according to the predetermined selection logic; generatingpayment information representing the plurality of payment accounts andthe first portion and the second portion of the payment amount for thefirst payment account and the second payment account, the paymentinformation comprising respective authentication information for eachpayment account of the plurality of payment accounts; and transmittingthe payment information to the point of sale device, causing the pointof sale device to utilize the respective authentication information foreach payment account of the plurality of payment accounts to completethe transaction.
 13. The method of claim 12, wherein the electromagneticwireless communication conforms to at least one of a near fieldcommunication protocol, wireless internet protocol, cellular protocol,or optical communication protocol.
 14. The method of claim 12, whereinthe payment information further comprises payment account informationand respective payment amount information for each payment account ofthe plurality of payment accounts.
 15. The method of claim 12, furthercomprising: transmitting payment information for the first paymentaccount; and in response to receiving a confirmation of payment from thepoint of sale device, transmitting payment information for the secondpayment account.
 16. The method of claim 12, further comprising:transmitting an invoice to a second mobile device; and receiving paymentinformation for a payment account associated with the second mobiledevice from the second mobile device.
 17. The method of claim 16,further comprising: attaching a second notification indicating a splitpayment to the invoice, wherein the second notification is attached asmetadata of the invoice.
 18. A non-transitory computer readable mediumhaving one or more processors to execute instructions, the instructionscomprising: initiate a transaction including a payment amount at a pointof sale device; determine, based on a notification received from thepoint of sale device, that the point of sale device is capable ofprocessing split payments; responsive to determining that the point ofsale device is capable of accepting split payments, select a pluralityof payment accounts from a set of payment accounts to complete thetransaction based on a predetermined selection logic, wherein a firstpayment account is designated to pay a first portion of the paymentamount and a second payment account is designated to pay a secondportion of the payment amount based on the predetermined selectionlogic, the plurality of payment accounts selected based on respectiverewards provided upon utilizing the plurality of payment accounts andbased on a respective user ranking of the set of payment accounts,wherein the second portion is an amount determined according to thepredetermined selection logic; generate payment information representingthe plurality of payment accounts and the first portion and the secondportion of the payment amount for the first payment account and thesecond payment account, the payment information comprising respectiveauthentication information for each payment account of the plurality ofpayment accounts; and transmit the payment information to the point ofsale device, causing the point of sale device to utilize the respectiveauthentication information for each payment account of the plurality ofpayment accounts to complete the transaction.
 19. The non-transitorycomputer readable medium of claim 18, wherein the submitting the paymentinformation further comprises submitting the payment information foreach of the plurality of payment accounts sequentially in response toreceiving a confirmation for a payment account verification for aprevious payment account.
 20. The non-transitory computer readablemedium of claim 18, wherein the submitting the payment informationfurther comprises submitting the payment information for each of theplurality of payment accounts in parallel.